Steve Johnson

Loan Consultant

NMLS # 21251

Let's Get Started

Steve joined the loanDepot Providence team in June 2014 as a Loan Officer. He has nearly 20 years of experience in mortgage lending with both regional and national mortgage lenders. Steve has attributed his success to never losing sight of the fundamentals of treating each and every customer as if they were his family.

Before joining loanDepot, Steve worked as a Mortgage Loan Originator at Coastway Community Bank and Greenwood Credit Union. He has built his reputation one person at a time with the goal of getting the best terms possible for the customer. He has learned that long lasting relationships are the cornerstone of anyone that is in a service role and makes it his goal to do the same with all his clients.

Steve has lived in Rhode Island his entire life and has formed many deep connections within the community through sports and academics. He is the father of two sons and coach's one of his son's baseball and basketball teams.

Here's what my clients are saying...

I have worked with Steve on two occasions now. I first used him to refinance my first home, and lower my payment significantly. Due to his knowledge and expertise, this process went smoothly and easily. I worked with Steve again 2 years later to purchase my second home. What could have been a long drawn out daunting process, was easy, went as planned, and I owe this to Steve. He is friendly, and always there to answer your questions. Would highly recommend Steve to friends and family.

Allegra, North Providence, RI

I couldn't say thank you enough to Stephen and Michael from loanDepot to guide me through the process of purchasing my first home! They found the best program and rate I was able to suit in. Both worked way beyond in every step until the closing day! Thank you!

Ana P., Shrewsbury, MA

Steve was very helpful guiding us, (first time home buyers) through the process. He came highly recommended by our agent and we were not disappointed in the quality of service that he provided.

Chas C., Coventry, RI

Steve is a real professional for those looking for a mortgage living in the greater New England area, specifically Providence. Our situation was that we needed a mortgage fast, and Steve said he could help out and lived up to his commitments. The support staff is very professional as well, and all documentation was handled electronically which is extremely convenient and efficient. Mortgage was signed and finalized on the commitment date, all parties were pleased - I will surely contact Steve for my next mortgage. Thank you!

Christopher M., Providence, RI

I'm a first time home owner and Steve took the time to work with me on any and everything I needed for the loan process, he's experienced and very knowledgeable and was patient with me. I highly recommend him to friends, family and to everyone. He will be the first person I call when I'm ready to buy my second investment property.

Cynthia, Cranston, RI

Steve has been great in every aspect of financing. I told him I would prefer to do no money down and he found a way to do it. Anytime I had a question and either e-mailed or called, I received an answer within 30 minutes.

Dan, East Greenwich, RI

Steve was extremely professional and got the job done!! Kept me informed and calmed me through uncertain times!! Highly recommended!!! Steve handled all aspects of my loan with ease and made sure I understood all the details that were involved in a loan process.

Dan & Randi S., North Providence, RI

Steve was very helpful and responsive to our questions, concerns and needs throughout the process! He was professional and met our expectations. He attended the closing and shared in our excitement!

Darlene, Providence, RI

Steve was a pleasure to work with and presented us with a number of different options to meet our needs. He dealt with us honestly and was patient with our numerous questions and answered them in a timely manner. We felt confident in dealing with him.

Dave & Nancy, Cumberland, RI

My wife and I had a very difficult time dealing with a couple other lending institutions, and we were really starting to believe there was no way that we were going to be able to purchase the house we wanted. Steve not only encouraged us from the start and explained things along the way, but he ultimately secured the funding for us at a great rate, and now we're homeowners!

Dave, Providence, RI

Steve was great, he got right back to us when we called and always listened to what we had to say. Steve was awesome! I would recommend him to anybody!

George F., Greenville, RI

The refinancing process was pretty easy with loanDepot. I worked with Steven Johnson and he was accommodating and helpful. I highly recommend loanDepot and Steven Johnson.

Haley, Lincoln, RI

Steve was very attentive from day one. He treated me like a long time client from the very beginning and made me feel like I could really count on him. This was my first home purchase and, unfortunately, I didn't luck out on missing any of the first time issues associated with that. The process itself was tough and very stressful. However, Steve was always available to answer my questions or get me an answer quickly. Get some info together, including any questions and concerns, and give Steve a call.

Jonathan, Warwick, RI

Steve was great! I would recommend him to anyone. It was a swift process and he and his colleagues helped make it that way. He gave honest opinions when we asked and stood by our decisions once we had made them. I was dreading the drawn-out potential of a refinance, but it all happened within about one month. Good luck!

Kate B., Providence, RI

Steve did a great job of moving my application through the mortgage process. At the end when there was a chance of the closing being delayed he worked with everyone and we were able to close on time.

Khane G., Woonsocket, RI

I just wanted to say a few words about Stephen Johnson. Stephen has provided us with outstanding customer service. He is extremely responsive and we will use him and refer him to our friends and family, always. Stephen has helped us to refinance our primary residence and we are using him again in August for an investment property.

Maria, Warwick, RI

Steve helped us with everything we needed. He responsed to all our questions and concerns in a timely fashion. Made it an easy closing day for us. We will consider using him again if we buy another home. We recommend new home owners look into using him.

Mike, North Providence, RI

Steve handled my re-fi. He was extremely professional and went out of his way to work around my schedule. He responded to phone calls well after "normal work hours" and even took calls while he was travelling.

Nate, Bristol, RI

Steve was terrific! Steve is personable, knowledgeable, honest, and overall my buying experience was the best, hands down, that I have had over the past 15 years of buying houses (this being my 3rd home loan)! I found and purchased my new home within 6 weeks and I could not have been more pleased with the entire experience. Buying a house is not easy, it can be one of the most stressful times in life, but Steve will make it a very pleasant experience and not waste your time!

loanDepot Lifetime Guarantee ("Guarantee") — Guarantee applies to future refinances of the same property by the same borrower subject to the conditions and contact requirements outlined below. This Guarantee is non-transferable. This Guarantee may not be applied to a Purchase Loan, a Home Equity Loan, a Personal Loan, or combined with other discounts or promotions. This Guarantee excludes loanDepot’s Wholesale division. Future refinancing is conditional on whether the program type or applicable state/federal laws contain "seasoning" restrictions that would make refinancing during a specific period legal. For example, waiting until after the 12th month may be required. For future refinances of the same property with loanDepot, this Guarantee may not be redeemed within 180 days of the Date Issued. Your loan approval for any future loan is not guaranteed. The appraised value of your home for the future loan is not guaranteed. In the event a full appraisal of your home is required, the property value at that time must be acceptable for the program and loan terms requested. The interest rate for the future loan is not guaranteed. You will have to qualify for the loan requested and will be quoted interest rates in effect at the time of your next loan. For loans meeting the above requirements and which are successfully closed, your appraisal fee will be reimbursed at the closing of the loan transaction and no lender fees will be charged. “Lender fees” do not include discount points associated with your loan transaction. “Appraisal fee” includes only the fee associated with the first appraisal on your loan transaction and does not include any ancillary appraisal fees that may be charged in connection with your loan transaction (e.g., second appraisal fee, appraisal re-inspection fee, appraisal recertification fee, etc.). This program is only available to applicants who closed their previous loan with loanDepot and received a "loanDepot Lifetime Guarantee" certificate.

Future applicants must contact loanDepot directly via the website: www.loandepot.com/MyGuarantee or via telephone (877-395-7381) to qualify for the Guarantee. Applying for a loanDepot loan indirectly through a third party (e.g., LendingTree) makes the borrower ineligible for this Guarantee.

Testimonial disclosure — Compensation was not paid in exchange for any testimonial on this site. Individuals pictured may not be that of the endorsers and is for display purposes only.

Unsecured Personal Loans are issued by Cross River Bank; a New Jersey State Chartered Commercial Bank, Member FDIC. Individuals must be a U.S. citizen or permanent resident and at least 18 years old to apply for credit from Cross River Bank. Valid bank account and Social Security Number/FEIN are required. All loan applications are subject to credit review and approval. All loans may be subject to an origination fee of 1% to 5% of the loan amount. Origination fees are deducted from loan proceeds. Offered loan terms depend upon credit score, requested amount, requested loan term, and credit usage and history. Loans are not available to residents of West Virginia. Residents of Alabama or Nebraska must be 19 years old to apply for credit. All loans in Massachusetts will be greater than equal to $6,001. All loans to Ohio residents must be greater than $5,001. All loans to Connecticut residents must qualify for an annual percentage rate (APR) of less than 12% to be considered for approval. All loans to New Hampshire residents less than or equal to $10,000 must qualify for an annual percentage rate (APR) of 10% or less to be considered for approval. All loans to New York residents must qualify for an annual percentage rate (APR) of less than 16% to be considered for approval. All loans to Vermont residents must qualify for an annual percentage rate (APR) of less than 12% to be considered for approval.

Rate Assumptions — Rates displayed are subject to change and assumes that you are buying or refinancing an owner-occupied single family home, debt-to-income ratios of 35% or lower, asset and reserve requirements are met, and your property has a loan-to-value of 80% or less. The Annual Percentage Rate (APR) is based on the loan amount and may include up to 3 points. (Points include any origination, discount and lender fees.) On adjustable-rate loans, interest rates are subject to potential increases over the life of the loan, once the initial fixed-rate period expires. Please contact one of our Licensed Lending Officers at (888) 983-3240 for a customized rate and payment quote.